Car Insurance in Philadelphia, PA
- Auto-Owners offers the cheapest car insurance in Philadelphia at $102/mo.
- Compare and save on auto insurance in or near Philadelphia, PA with The Zebra.
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About The Zebra's recommendations
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
How much does car insurance cost in Philadelphia?
Auto insurance in Philadelphia averages $2,134 ($356 per month) — almost twice as much as the Pennsylvania state average at $1,177 and the most expensive city in the state for car insurance.
Philly drivers also pay more than twice the national average. In fact, 39% of our customers in Philadelphia admit they're paying too much for their car insurance.
- Auto-Owners offers the cheapest full coverage rates in Philadelphia at $102/mo. For minimum coverage, Auto-Owners is the cheapest option at $32/mo.
- Car insurance in Philadelphia is so expensive primarily because of destructive weather events, heavy traffic congestion, and a high rate of uninsured drivers.
- An at-fault accident in Philadelphia can cause rate hikes of up to $1,205 on a 6-month policy.
Cheap liability and full coverage auto insurance in Philadelphia
As of 2026, Auto-Owners offers Philadelphia’s lowest full coverage rates, with premiums of around $102 per month. For liability coverage, Auto-Owners has the lowest monthly premium at about $32. USAA is another good option for military members and their immediate families.
Full coverage typically includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 40% of Pennsylvania drivers carry only the state’s minimum required coverage. The minimum is enough to drive legally, but it may not be enough to protect your finances after an accident.
Source: The Zebra • Current as of: Sep 3, 2026
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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Why is car insurance so expensive in Philadelphia?
Philadelphia drivers pay higher rates due to a mix of local risks, weather, and driving trends.
1. Weather
Philadelphia drivers face a variety of weather-related risks throughout the year, including heavy rain, flash flooding, snowstorms, ice, strong winds, and occasional hail. Winter weather can create hazardous road conditions that increase the likelihood of accidents, while severe storms can cause vehicle damage from fallen tree branches, flooding, and flying debris.
2. Busy Highways and Elevated Risk
Philadelphia drivers regularly contend with congestion on I-95, I-76 (Schuylkill Expressway), Roosevelt Boulevard (U.S. Route 1), the Pennsylvania Turnpike, and the Vine Street Expressway. Heavy traffic, frequent stop-and-go conditions, and densely populated urban roadways contribute to thousands of accidents each year throughout the Philadelphia metropolitan area.
3. Uninsured Drivers
Philadelphia drivers face increased risk from uninsured and underinsured motorists on some of the region's busiest roadways. In a densely populated urban environment with heavy commuter traffic, accidents involving drivers who carry little or no insurance can create significant financial challenges for those involved.
Q: Which states have a hybrid model, where you can choose at-fault or a traditional option (no-fault or tort)? And how does that impact the sales process?
A: "In hybrid or no-fault choice states, customers get an option to choose either a traditional at-fault policy or a no-fault option. That choice affects the coverages they’re required to carry and which insurance company would be responsible for paying out first. If they choose the at-fault option, then it depends on who caused the accident—either their insurance company would pay out or the other driver’s would. If they choose the no-fault option, then their own insurance company would take on the full risk and pay out first, regardless of who was at fault."
-Riliey Cullip, Licensed Agent at The Zebra
Car insurance rates after an accident in Philadelphia
In Philadelphia, an at-fault accident can raise your car insurance by $1,205 for a 6-month policy. Keeping a clean driving record is the best way to avoid these increases. Premiums can go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $2,134 | $0 |
| One comp claim | $2,276 | $142 |
| Speeding 16 - 20 MPH over limit | $2,522 | $389 |
| At-Fault Accident | $3,339 | $1,205 |
| DUI | $4,215 | $2,081 |
| Leaving scene of an accident/hit and run | $4,263 | $2,129 |
Source: The Zebra
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*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Philadelphia car insurance FAQs:
What Philadelphia drivers want to know about car insurance
Is a hydroplaning accident my daughter's fault?
Why does my dealership require my lienholder/bank be listed on my insurance to take my car home?
What happens if you hit a rental car?
If I hit someone and they don't have car insurance is it still my fault?
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
